Editing User:Eddymunoz (section)

== External Links ==  
* [https://planningthefuture.org PlanningTheFuture.org]  
* [https://eddymunoz.com EddyMunoz.com]  
* [https://iulpolicy.com IULPolicy.com]  
* [https://insuranceproducers.org InsuranceProducers.org]  

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'''Final Expense Insurance — David (67)'''
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David didn’t want his family to face funeral costs or medical bills. A <b>Final Expense</b> policy ensures funds arrive within days of a claim, covering arrangements quickly and sparing his family financial stress during a difficult time.
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'''Long-Term Care Insurance — Linda (58)'''
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After watching an aunt spend down savings on assisted living, Linda bought <b>Long-Term Care</b> early while premiums were affordable. When she later needed in-home care after surgery, her policy paid for professional caregivers—protecting retirement assets and letting her recover at home.
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'''Disability Income Insurance — James (40)'''
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A back injury kept James, a construction manager, out of work for 9 months. His <b>Disability Income</b> policy replaced 60% of his paycheck, keeping the mortgage current and the household stable until he returned to work.
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'''401k / IRA Rollover to FIA — Carol & Michael (62)'''
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With $450,000 in combined 401k savings and concerns about volatility, they rolled into a <b>Fixed Index Annuity</b> for principal protection, tax-deferred growth, and guaranteed lifetime income—giving them confidence as they enter retirement.
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